We thank you for considering using Splendi and extend our warmest welcome.
By using this Website or communicating with Splendi by electronic means, you provide your consent and acknowledge that any and all agreements, notices and disclosures satisfy the legal requirements, that such communications should be in writing, and that you agree to be bound by these Terms and Conditions (“ToU”). By proceeding with the use of the Splendi website and services, you expressly acknowledge and agree to these ToU, especially important disclaimers, warranties and limitations on liability. These ToU constitute the entire agreement (“the Agreement”) between Splendi and yourself with regard to the use of the content and this website (“Website”).
Splendi is a consumer services portal owned and operated by zenAptix (Pty) Ltd hereinafter referred as zenAptix, providing free access to your credit information. Splendi thereby assists you in getting a better understanding of your credit information for you to manage your financial wellbeing. When we refer to “Services,” we mean all products and services owned and operated by Splendi or any of its affiliated companies (collectively, “Splendi,” “we,” or “us”), including the content, features, tools, data, software and functions made available by Splendi through the Website, and our mobile applications, and other websites or applications we operate, unless those websites or applications have posted separate or additional terms of use. As of the effective date of these terms, our Services include the following:
You will need to register for a free member account to access many aspects of our Services, which includes but is not limited to credit scores and reports and credit monitoring services. Registering your Splendi member account is optional, but if you do not register for an account, you will not be able to access certain aspects of our Services. By registering for a Splendi member account, you warrant and represent that (i) any information you provide to us, both when you register and in the future, is and will be true, accurate, current and complete (ii) you are only registering an account for yourself and (iii) you will keep all information up-to-date, (iv) the updated information you provide may be used to update your credit information as held by XDS (Pty) Ltd and or zenAptix which are registered Credit Bureaus and (v) your information may be shared with partners of Splendi with whom you have agreed to engage with.
You are prohibited from selling, transferring, or assigning your account to anyone else. Your password is at all times to be kept confidential, and you may not share it or allow anyone else to log into our Services with your account. You accept responsibility for all activities that occur under your member account. It is your responsibility to notify us immediately if you believe that your account is no longer secure.
When you register as a member, you authorise us to create and maintain an account in your name using your account registration information and other information that may be collected about you in accordance with our Privacy Policy (link to Privacy Policy). You acknowledge and agree, when registering a Splendi member account that you are asking us to create your member profile and access your free credit scores and reports, and other information so we can provide our tools and services.
All content and materials, including but not limited to images, text, visual interfaces, information, data, and computer code, provided by us through our Services (our “Content”) and all related intellectual property rights are the property of Splendi and/or its third-party licensors. Our Content is protected by South African and international intellectual property laws and treaties. You may not copy, modify, sell, reproduce, distribute, republish, display, post, create derivative or collective works from, or transmit in any form (including in-line linking or mirroring) our Content, in whole or in part, without our express prior written consent. You may not reverse engineer or reverse compile any of our Services or the technology used to operate our Services. Nothing in the Agreement or our Services grants you, by implication, estoppel, or otherwise, any license or right to use our Content except as expressly stated in the Agreement.
Our Services may also display certain intellectual property, such as company, product, and service name and logos, that is owned by our third-party partners (our “Partners’ Intellectual Property”). Nothing in the Agreement or our Services grants you, by implication, estoppel, or otherwise, any license or right to copy, modify, sell, reproduce, distribute, republish, display, post, create derivative works from or transmit in any form (including in-line linking or mirroring) any of our Partners’ Intellectual Property.
Splendi has the right, but not the obligation, to monitor our Services electronically. We may access, use, preserve, transfer or disclose, at any time and without notice to you, any information (including Personal Information as defined in our Privacy Policy) as reasonably necessary to: (i) comply with any applicable law, regulation, subpoena, or legal process, or respond to any governmental request, if we believe such action is required or permitted by law; (ii) enforce this Agreement, including to investigate potential violations; (iii) protect the safety, integrity, rights, or security of our members, our Services or equipment, or any third party; or (iv) detect, prevent, or otherwise address fraud, security, or technical issues related to our Services or the services of our partners. Any complaints regarding the standard and quality of the product or services bought by you through our facility should be directed to zenAptix Information Officer: informationofficer@zenaptix.com
We provide our services, our content, and all content and materials available through our services “as is” and “as available” without any warranty or condition of any kind, express or implied. Splendi, on behalf of itself, its affiliates and its licensors, disclaims all warranties of any kind, whether express or implied, relating to our services, our content, including the implied warranties of merchantability, fitness for a particular purpose, quality, accuracy, title and non-infringement, and any warranty arising out of course of dealing, usage or trade.
No advice or information, whether oral or written, obtained by you from our services, our content, or otherwise available through our services will create any warranty regarding Splendi or any of our services that is not expressly stated in these terms. You use our services, and use, access, download, or otherwise obtain our content, or other content available through our services, at your own discretion and risk. You assume all risk for any damage that may result from your use of or access to our services, your dealings with any other member or third party, and your use of our content, or other content available through our services. You are solely responsible for any damage to your property (including any computer system or mobile device used in connection with our services), or the loss of data that may result from the use of our services or the use of any of our content, the community content or other content available through our services.
You acknowledge that Splendi is solely an intermediary (i) between you and any third party or other information providers actually supplying your credit reports, credit scores and other information.
Splendi expressly disclaims any liability for any errors or omissions in our content or our services, including the inaccuracy or incompleteness of any such credit reports, credit scores, or other information, tools or analyses available through our services or our content. Notwithstanding the foregoing, nothing in this section shall affect warranties which are incapable of exclusion or restriction under applicable law.
Splendi and its representatives, agents, and any of their respective officers, directors, equity holders, employees, parent entities, subsidiaries, affiliated entities, representatives, agents and licensors (collectively, the “Splendi parties”) will not be liable to you or any third party for any special, indirect, incidental, consequential or punitive damages (such as loss of profits, loss of goodwill, loss of use, loss of data, business interruption, or other intangible losses) arising out of or relating in any way to our services or content. if any of the foregoing limitations are found to be invalid, the Splendi parties’ total liability for all damages, losses, or causes of action of any kind or nature whatsoever shall be limited to the greatest extent permitted by applicable law.
You will defend (on demand by any Splendi Party), indemnify, and hold harmless the Splendi Parties from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by the Splendi Parties in connection with any claim by a third party arising out of or in any way related to: (i) your use of our Services or our Content; (ii) your violation or alleged violation of the Agreement or your violation or alleged violation of any applicable law; (iii) your infringement or alleged infringement of any intellectual property or other right of any other person or entity; or (iv) any dispute between you and a third party, including any provider of third-party content. You must not settle any such claim or matter without the prior written consent of Splendi.
This Website is controlled, operated and administered by Splendi from its offices within the Republic of South Africa. These Terms and Conditions shall be governed by the laws of the Republic of South Africa, and the User consents to the jurisdiction of the Witwatersrand courts in the event of any dispute (including alternative dispute resolution in the sole discretion of Splendi).
Unless terminated by yourself or Us, your access to Splendi shall remain in force. Your access to Splendi may be terminated by yourself by informing Splendi on info@splendi.co.za that you wish for your membership and access to Splendi to be terminated. These Terms of Use shall remain in full force and effect while you use the Splendi’s Website.
Without limiting any other provision of these terms of use, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the website (including blocking certain ip addresses), to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these terms of use or of any applicable law or regulation. We may terminate your use or participation in the site or delete your Splendi member account and any content or information that you posted at any time, without warning, in our sole discretion.
If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.
Severability and entire agreement. If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect.
Variation of Terms and Conditions. Splendi reserves the rights to change, modify, add or remove portions or the whole of these Terms and Conditions from time to time. Occasionally we may make these changes for valid reasons, such as improving the existing functions or features or adding new functions or features to the service, implementing advancements in science and technology, and reasonable technical adjustments to the service, ensuring the operability or the security of the service, and for legal or regulatory reasons. Changes to these Terms and Conditions will become effective upon such changes being posted to this Website. It is your obligation to check changes, upon notice which will be provided once you access this Website, to these Terms and Conditions. Your continued use of this Website following the posting of changes or updates will be considered notice of your acceptance to abide by and be bound by these Terms and Conditions, including such changes or updates.
Splendi may offer certain paid products, features and services, including a subscription service known as Splendi Premium (“Premium Services”).
The features included in Splendi Premium will be displayed to you before you subscribe and may include access to additional tools, insights and functionality that are not available as part of the free Splendi service.
A Splendi Premium subscription does not replace your free Splendi account. If you cancel your Premium subscription, you may continue to access the features and services that Splendi makes available to free users, subject to these Terms and Conditions.
The applicable subscription fee will be clearly displayed before you complete your purchase.
By subscribing to Splendi Premium, you authorise Splendi and/or its appointed payment service provider to process the applicable subscription fee using the payment method selected by you.
Where your subscription is recurring, the applicable subscription fee will be charged automatically at the beginning of each billing period until the subscription is cancelled.
You are responsible for ensuring that your payment information remains valid and that sufficient funds are available when payment becomes due.
Splendi may suspend access to Premium Services where payment cannot be successfully processed.
Your subscription will commence once your payment has been successfully processed and your Premium subscription has been activated.
The applicable billing period and renewal terms will be displayed to you before you subscribe.
Where you select a recurring subscription, your subscription will automatically renew for the applicable billing period unless you cancel it in accordance with the cancellation process described below.
Any automatic renewal, cancellation or continuation of a subscription will remain subject to your rights under applicable South African law, including the Consumer Protection Act 68 of 2008.
You may cancel your Splendi Premium subscription using the cancellation functionality provided within Splendi or through another cancellation method communicated to you by Splendi.
Cancellation prevents future subscription charges from being processed but does not automatically delete your Splendi account.
Unless otherwise stated on the subscription screen at the time of purchase, cancellation will take effect at the end of your current paid billing period. You will continue to have access to Premium Services until that date.
After your Premium access ends, your account will revert to the free Splendi service and you will no longer have access to Premium-only features.
Nothing in these Terms and Conditions limits any cancellation rights you may have under applicable South African law.
Subscription fees already paid are non-refundable where the Premium Services have been made available to you for the applicable billing period, except where a refund is required under applicable law or where Splendi determines that a refund is appropriate due to an error or other exceptional circumstance.
Any statutory rights you may have under South African law are not affected by this provision.
Splendi may from time to time change the features included in Splendi Premium or introduce, remove or modify Premium Services.
Splendi may also change the applicable subscription fee.
Where a material change affects an existing recurring subscription, Splendi will provide reasonable notice before the change takes effect where required by applicable law.
Any revised fee will not be charged retrospectively and will only apply from the applicable future billing or renewal period communicated to you.
Splendi Premium may include access to tools that allow you to simulate how certain actions or changes to your credit profile could affect your credit score.
The Score Simulator is provided for informational and educational purposes only.
Any score movement displayed by the Score Simulator is an estimate and does not guarantee that your actual credit score will increase, decrease or change by the amount shown.
Simulator results are based on assumptions and the information available at the time of the simulation, including the assumption that other information and factors affecting your credit profile remain unchanged.
If you take an action simulated by the tool, such as making a payment, reducing an account balance or applying for credit, any resulting change to your actual credit score will only be reflected once the relevant credit or service provider reports updated information to the applicable credit bureau and that information has been processed.
Actual results may therefore differ from the simulated result and may only become visible during a later credit reporting or update cycle.
Credit scoring models, information supplied by credit providers and other factors outside Splendi’s control may also affect your actual credit score.
Any budgeting, affordability, financial wellness, educational or similar tools provided through Splendi Premium are intended to assist you in understanding and managing your financial information.
Outputs, calculations, recommendations, insights and information generated through these tools are provided for informational and educational purposes only and should not be regarded as financial, legal, credit, investment or other professional advice.
You remain responsible for any financial decisions you make based on information provided through Splendi.
Certain products, offers or services displayed through Splendi may be provided by third-party partners.
Unless expressly stated otherwise, Splendi does not make the final decision regarding whether you qualify for a third-party product or service.
Eligibility indications, pre-qualification results or recommendations displayed through Splendi do not constitute a guarantee of approval.
The relevant third-party provider may conduct its own affordability, risk, identity, credit or other assessments before approving or declining an application.
Where you choose to engage with a third-party provider, that provider’s own terms and conditions may also apply.
Splendi will take reasonable steps to make Premium Services available but does not guarantee that every feature will be available at all times.
Access may occasionally be interrupted due to maintenance, upgrades, technical issues, third-party service interruptions or circumstances outside Splendi’s reasonable control.
Where reasonably possible, Splendi will endeavour to restore affected Premium Services as soon as practicable.
Before completing your subscription, you will be provided with access to these Terms and Conditions and the applicable subscription information, including the price and billing frequency.
By selecting the relevant acceptance option and completing your subscription, you confirm that you have had an opportunity to review these Terms and Conditions and agree to be bound by them.
